Comprehensive Stock Comparison
Compare Navient Corporation (NAVI) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | JPM | 14.6% revenue growth vs NAVI's -12.4% |
| Value | NAVI | Lower P/E (12.7x vs 13.9x) |
| Quality / Margins | JPM | 21.6% net margin vs NAVI's 3.1% |
| Stability / Safety | JPM | Beta 1.00 vs NAVI's 1.08, lower leverage |
| Dividends | NAVI | 7.2% yield, vs JPM's 1.7% |
| Momentum (1Y) | JPM | +15.7% vs NAVI's -34.1% |
| Efficiency (ROA) | JPM | 1.3% ROA vs NAVI's -0.1%, ROIC 5.4% vs 0.2% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Navient is a financial services company that manages education loans and provides business processing solutions for education, healthcare, and government clients. It makes money primarily through loan servicing fees and interest income from its education loan portfolio—including federally guaranteed FFELP loans and private student loans—along with business processing fees from healthcare and government clients. The company's key advantage is its specialized expertise in complex education loan servicing and its established relationships with federal and state government agencies.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
JPM leads in 4 of 6 categories (Financial Metrics, Profitability & Efficiency). NAVI leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 64.0x NAVI's $4.2B. JPM is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to NAVI's 3.1%.
| Metric | NAVINavient Corporati… | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $4.2B | $270.8B |
| EBITDAEarnings before interest/tax | -$77M | $81.3B |
| Net IncomeAfter-tax profit | -$50M | $58.0B |
| Free Cash FlowCash after capex | $275M | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +20.0% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +4.1% | +27.7% |
| Net MarginNet income ÷ Revenue | +3.1% | +21.6% |
| FCF MarginFCF ÷ Revenue | +10.8% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -46.0% | +16.0% |
Valuation Metrics
At 7.4x trailing earnings, NAVI trades at a 51% valuation discount to JPM's 15.2x P/E. On an enterprise value basis, JPM's 13.1x EV/EBITDA is more attractive than NAVI's 280.4x.
| Metric | NAVINavient Corporati… | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $841M | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $48.8B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 7.45x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.67x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.17x |
| EV / EBITDAEnterprise value multiple | 280.37x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 0.20x | 2.99x |
| Price / BookPrice ÷ Book value/share | 0.37x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 1.83x | — |
Profitability & Efficiency
JPM delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $-2 for NAVI. JPM carries lower financial leverage with a 2.18x debt-to-equity ratio, signaling a more conservative balance sheet compared to NAVI's 18.43x. On the Piotroski fundamental quality scale (0–9), NAVI scores 6/9 vs JPM's 5/9, reflecting solid financial health.
| Metric | NAVINavient Corporati… | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | -2.1% | +16.1% |
| ROA (TTM)Return on assets | -0.1% | +1.3% |
| ROICReturn on invested capital | +0.2% | +5.4% |
| ROCEReturn on capital employed | +0.3% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 18.43x | 2.18x |
| Net DebtTotal debt minus cash | $47.9B | $281.8B |
| Cash & Equiv.Liquid assets | $722M | $469.3B |
| Total DebtShort + long-term debt | $48.7B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | -0.03x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $9,202 for NAVI. Over the past 12 months, JPM leads with a +15.7% total return vs NAVI's -34.1%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs NAVI's -16.0% — a key indicator of consistent wealth creation.
| Metric | NAVINavient Corporati… | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -31.2% | -7.3% |
| 1-Year ReturnPast 12 months | -34.1% | +15.7% |
| 3-Year ReturnCumulative with dividends | -40.7% | +119.7% |
| 5-Year ReturnCumulative with dividends | -8.0% | +114.5% |
| 10-Year ReturnCumulative with dividends | +40.3% | +497.7% |
| CAGR (3Y)Annualised 3-year return | -16.0% | +30.0% |
Risk & Volatility
JPM is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than NAVI's 1.08 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JPM currently trades 89.0% from its 52-week high vs NAVI's 54.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NAVINavient Corporati… | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.08x | 1.00x |
| 52-Week HighHighest price in past year | $16.07 | $337.25 |
| 52-Week LowLowest price in past year | $8.50 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +54.7% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 27.1 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 827K | 9.0M |
Analyst Outlook
Wall Street rates NAVI as "Hold" and JPM as "Buy". Consensus price targets imply 13.8% upside for NAVI (target: $10) vs 11.9% for JPM (target: $336). For income investors, NAVI offers the higher dividend yield at 7.17% vs JPM's 1.71%.
| Metric | NAVINavient Corporati… | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $10.00 | $336.10 |
| # AnalystsCovering analysts | 24 | 60 |
| Dividend YieldAnnual dividend ÷ price | +7.2% | +1.7% |
| Dividend StreakConsecutive years of raises | 0 | 14 |
| Dividend / ShareAnnual DPS | $0.63 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +21.3% | +3.5% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Navient Corporation (NAVI) | 100 | 86.18 | -13.8% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
JPMorgan Chase & Co. (JPM) returned +114% over 5 years vs Navient Corporation (NAVI)'s -8%. A $10,000 investment in JPM 5 years ago would be worth $21,449 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Navient Corporation (NAVI) | $5.2B | $4.2B | -18.2% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Navient Corporation's revenue grew from $5.2B (2015) to $4.2B (2024) — a -2.2% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Navient Corporation (NAVI) | 19.0% | 3.1% | -83.7% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Navient Corporation's net margin went from 19% (2015) to 3% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Navient Corporation (NAVI) | 12.8 | 11.3 | -11.7% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Navient Corporation has traded in a 4x–13x P/E range over 8 years; current trailing P/E is ~7x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Navient Corporation (NAVI) | 2.61 | 1.18 | -54.8% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Navient Corporation's EPS grew from $2.61 (2015) to $1.18 (2024) — a -8% CAGR. JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Navient Corporation generated $459M FCF in 2024 (-35% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
NAVI vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is NAVI or JPM a better buy right now?
Navient Corporation (NAVI) offers the better valuation at 7.4x trailing P/E (12.7x forward), making it the more compelling value choice. Analysts rate JPMorgan Chase & Co. (JPM) a "Buy" — based on 60 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NAVI or JPM?
On trailing P/E, Navient Corporation (NAVI) is the cheapest at 7.4x versus JPMorgan Chase & Co. at 15.2x. On forward P/E, Navient Corporation is actually cheaper at 12.7x.
03Which is the better long-term investment — NAVI or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to -8.0% for Navient Corporation (NAVI). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus NAVI's +40.3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NAVI or JPM?
By beta (market sensitivity over 5 years), JPMorgan Chase & Co. (JPM) is the lower-risk stock at 1.00β versus Navient Corporation's 1.08β — meaning NAVI is approximately 7% more volatile than JPM relative to the S&P 500. On balance sheet safety, JPMorgan Chase & Co. (JPM) carries a lower debt/equity ratio of 2% versus 18% for Navient Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — NAVI or JPM?
JPMorgan Chase & Co. (JPM) is the more profitable company, earning 21.6% net margin versus 3.1% for Navient Corporation — meaning it keeps 21.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27.7% versus 4.1% for NAVI. At the gross margin level — before operating expenses — JPM leads at 58.6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is NAVI or JPM more undervalued right now?
On forward earnings alone, Navient Corporation (NAVI) trades at 12.7x forward P/E versus 13.9x for JPMorgan Chase & Co. — 1.3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NAVI: 13.8% to $10.00.
07Which pays a better dividend — NAVI or JPM?
All stocks in this comparison pay dividends. Navient Corporation (NAVI) offers the highest yield at 7.2%, versus 1.7% for JPMorgan Chase & Co. (JPM).
08Is NAVI or JPM better for a retirement portfolio?
For long-horizon retirement investors, JPMorgan Chase & Co. (JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.00), 1.7% yield, +497.7% 10Y return). Both have compounded well over 10 years (JPM: +497.7%, NAVI: +40.3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between NAVI and JPM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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